The CFPB released a report on August 24 titled “Issue Brief: The costs and risks of using a reverse mortgage to delay collecting Social Security”. On a quick glance, the 26-page report […]
Increase Retirement Spending by Coordinating Investment Portfolios and Reverse Mortgages: Case Study by Barry Sacks and Mary Jo Lafaye
Recent research has shown six unique methods of combining portfolio and reverse mortgage withdrawals can boost spending (Pfau, 2016a, 2016b). Each method substantially improved lifetime spending. And counterintuitively, potentially estate size as well. Barry Sacks […]
Cashflow Flexibility: Adjusting Social Security Benefits
You may want to delay the start of social security for the long-term benefit. But what do you live on between now and then? Perhaps you had a plan to defer benefits, […]
Strategic Uses of Reverse Mortgages for Affluent Clients
Affluent clients of financial planners can use their housing wealth a variety of ways to enhance retirement, including boosting sustainable portfolio withdrawals and delaying social security claiming. As strategic users affluent clients are quite […]
Reverse Mortgage Funds Social Security Delay
NOTE: this is a slight revision to the post published in March 2014. Delaying Social Security can significantly boost lifetime retirement income but creates a shortfall while waiting. A case study used a HECM reverse […]
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